Why Get
a Credit Card?

Credit cards are part of our modern society.
Often it is safer and easier to pay by credit
card rather than carry cash. Also it helps
in emergencies and when making purchases
on line. And finally having a credit card
helps build a credit history.

So whatever your reason for wanting a
credit card here is a list of possibilities.
We have organized them based upon your needs
and current credit rating.

If you have a good credit rating you
can get lower interest rates and even a
card that pays you in airline miles or cash
back. You can use sites like
FreeScore.com free
credit score to check your credit
rating. If your credit rating isn't so
good, or you are trying to repair a bad
credit rating, you will probably have to
pay higher rates or get a card designed
to help rebuild credit, such as a
prepaid card.

Search the list below for the card that
is right for you or check out specific cards
from
Discover.

Debit cards offer direct access
to your own money. They do not offer
a line of credit. You must have
the money in the account or you
can't spend it. Debit cards
are good if you don't want to
carry cash. They also prevent you
from overspending your limit.

If you spend a lot on gasoline,
now is a great time to take advantage
of a gasoline rewards credit card.
Why not get cash back for every
purchase you make at the gas pump?
With the high price of gasoline,
you should do well with one of these
cards.

These cards are a step above a prepaid credit card. They require you to deposit
funds but you will not be drawing
against those funds. They simply
remain with the card issuer to secure
your card. In other words if you
deposit $500 you might have a $500
limit. Because you are not drawing
against that $500 it is a true credit
card. And as long as you make your
payments on time it will help improve
your credit rating. Fees are higher
than regular cards but these cards
can help you rebuild after a major
setback.